Which insurance is good for car insurance that is about to expire, and the new car brother is two ye

All vehicles with complete driving licenses and number plates, and qualified by the vehicle management department, can be insured with the Chinese People's Insurance Company. The procedures for vehicle insurance are as follows:

1.When applying for insurance for personal vehicles, the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle should be brought.

2.If the vehicle is engaged in self-employment, it should also bring the business license, transportation permit and other documents to the insurance company for processing. After the experience certificate is completed, fill in the vehicle insurance policy, and drive the insured vehicle to the designated place for necessary inspection, after meeting the insurance conditions, the policyholder will determine the insurance time, and verify the insurance premium.

3.The insurance is valid for up to one year, but it can be less than one year, but not more than one year. After the expiration of the term, the policy can be renewed and re-processed.

The insurance is in duplicate, and the policyholder should keep a copy of his insurance policy and the receipt of payment of insurance premiums, which will be used as the basis for compensation if the insurance occurs within the insurance period.

4.In addition to carrying the necessary documents, it is also necessary to list the model, license number, and driving license number of the insured vehicle. Depending on the situation, the insurance company will inspect the vehicle and then proceed with the insurance procedure.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

If you don't know, choose the old three, PICC, Ping'an, and Pacific.

Regarding the issue of renewing car insurance in the second year after expiration, there are generally the following methods:

First of all, the protection period of car insurance is one year, and the premium is also paid once a year, if the car insurance expires, the owner of the second year will contact the insurance salesman directly, or call the customer service of the underwriting insurance company ** to apply for insurance, or bring my valid ID card, vehicle driving license, compulsory traffic insurance policy to the counter of the business outlets to apply for insurance.

There are a few suggestions, though:

1. In the second year, the car insurance renewal chooses to purchase insurance items according to the specific situation: have a one-year car age, and have a faster grasp of your own personal car, and some unnecessary insurance types can be discarded when renewing the insurance;

2. Preferential provisions for the renewal of car insurance in the second year: According to the requirements, as long as the buyer has no other illegal records, insurance claims and payment matters within one year, the car buyer will get 10% to 20% reduction in the premium of compulsory traffic insurance in the second year of car insurance renewal, and will continue to include the insurance company in the high-quality customers to enjoy commercial insurance concessions.

1.The insurance business hall renewals.

Bring all the relevant information: ID card, driver's license, vehicle driving license, and if you have not been in insurance for a while, you can also bring the policy insurance policy and invoice, so that you can enjoy the rate policy. The business vehicle carries a copy of the business license, permit and other documents to the business hall of the insurance company and asks the staff to renew the insurance.

2.**Car insurance renewal.

According to the China Insurance Regulatory Commission, there is a 15% discount on private car commercial insurance for ** car insurance. Call ** to the insurance company you are interested in and tell the insurance officer the engine number and personal information. After confirming the information, the insurance company will send a business person to the pre-negotiated location to handle the follow-up procedures.

3. Online renewal.

It is true that business personnel business halls or door-to-door visits are relatively safe ways to apply for insurance, but it takes a while to complete the relevant procedures. With the rise of online sales of auto insurance, online insurance has also become one of the main ways to successfully apply for insurance, and it is safe to complete the insurance. According to the prompts on the webpage, you can quickly complete the renewal by entering the relevant information, and the forms of discounts are also very rich.

Usually it is ** fee, fuel card, shopping voucher, etc.

1. How to pay the car insurance in the second year after it expires?

The coverage period of car insurance is generally 1 year, and the premium is also paid once a year. If the car insurance expires and you want to renew it in the second year, you can directly contact the insurance salesman, or call the customer service of the insurance company you are insured to renew the insurance, or you can bring your ID card, driver's license, vehicle driving license and compulsory traffic insurance policy and other materials to the nearest insurance company branch counter to renew the policy.

In addition to this, with the development of the Internet, it is now possible to renew the insurance online. Car owners can renew their insurance directly in the insurance company's official ** or official app, which is very convenient and fast, if you need a paper policy, you can also contact customer service staff to send the insured policy by mail. At the same time, third-party platforms such as Alipay and WeChat have also launched car insurance payment services, and car owners can also complete online payment through third-party platforms such as Alipay to renew their insurance.

At present, the vast majority of regions can be renewed 90 days in advance, and Guangdong can be renewed 30 days in advance.

Second, it is not recommended to take car insurance.

Therefore, if there are some small scratches, the cost of repairing the car may only be two or three hundred yuan, and if you take car insurance, the premium for the second year may be ** to thousands of yuan, which is not cost-effective.

But if you really hurt someone, or bump into a luxury car, it is more cost-effective to take car insurance.

It should be noted that the floating coefficient of compulsory traffic insurance and commercial auto insurance premiums is not related and is calculated separately

1. Compulsory traffic insurance.

For family cars with less than 6 seats, the annual compulsory insurance premium is 950 yuan. If there is no insurance in the first year, the premium will be reduced by 10% in the second year, and the premium can be reduced by up to 30%; In the event of a traffic accident that is responsible, and the insurance is responsible for two traffic accidents that do not involve **, the premium of compulsory traffic insurance will increase by 10%; In the event of a traffic fatality accident, the premium will increase by 30%, with a cumulative increase of up to 60%.

2. Commercial auto insurance.

For commercial auto insurance, if the number of accidents is less than 3 times or the claim amount is not particularly high, it will generally not affect the premium of the second year. As for the premium preferential policy, each insurance company will be different, you can go to the official website of the insurance company to check or consult the customer service staff.

Car insurance is paid in the second year, and the car owner can renew the insurance through the insurance salesman, calling the customer service of the underwriting insurance company**, and the business outlets of the insurance company. When renewing the insurance, the user needs to provide his or her valid ID card, vehicle driving license, compulsory traffic insurance policy and other materials for renewal. In addition, third-party platforms such as Alipay and WeChat have also opened car insurance payment services, and car owners can also choose to renew their insurance through third-party platforms.

For an old car, if it is close to the scrapping period, then there is no need to buy more car insurance, only buy the necessary insurance, because the actual value of this kind of car is very low, and the insurance amount is obviously not cost-effective.

If you are sure that your car is safe enough to prevent theft, you can not take out the theft insurance in the rider; Car owners who often go out of town or do not have their own parking spaces, it is recommended to buy a full car for theft insurance; Novices with poor driving skills are better to have adequate car damage insurance and third-party liability insurance, and "special insurance without deductible".

Choose the type of car insurance according to your needs and allocate it reasonably. The type of car insurance is made up of the main insurance and the rider. Only on the basis of configuring car insurance can you purchase other insurance.

Try to choose a strong insurance company, so that the car owner is more protected, and some will have some free value-added services.

When renewing your policy, be sure to clearly compare your premiums. Generally, the policy is renewed half a month in advance, so as to avoid accidents during the insurance period, and various insurance companies will be contacted before the expiration of the car insurance.

Buying car insurance in the second year is a renewal of car insurance, at this time, it should be noted that the renewal should be timely, look at your first year policy, clarify the expiration time of the insurance, and do not miss the deadline.

When renewing car insurance, you still have compulsory insurance, which is a mandatory insurance and must be purchased.

In commercial auto insurance, third-party liability insurance should be insured, and it should be fully insured, especially in large and medium-sized cities, and the insurance amount should not be less than 500,000.

Then there is car damage insurance, which must pass through the road now, and it is easy to have accidents, and car damage insurance can pass on the loss to the insurance company.

If the parking location is relatively safe, theft insurance can be considered as appropriate, and it can be left uninsured.

If you have already taken out personal accident insurance, you can not take out the on-board personnel liability insurance.

In the additional insurance, if it is not a high-end car, scratch insurance can not be insured. The glass breakage risk alone can be considered, and it must be passed by a windshield** is not low.

The driving environment is from a rainy area, so it is necessary to take out wading insurance. If it is a second-year car, it is not necessary to insure spontaneous combustion insurance because of the warranty period. Since there is a deductible in the car insurance clause, if you want the insurance company to fully compensate you, you should take out a special insurance without deductible.

When the vehicle insurance expires, it can be renewed in the second year, and there will generally be appropriate discounts for renewal. Compulsory traffic insurance is mandatory every year, and other commercial insurance is not required.

When the car insurance expires, you can go to the property insurance company of each insurance company to purchase the second year's car insurance. You can also call the salesman of each company to give you a bicycle insurance, and you can also purchase car insurance from an insurance intermediary company.

If you still want to pay insurance in this insurance company, then go directly to this bank to go through the payment procedures, if you don't want to pay insurance in this insurance company, you can find another one to compare the price and enjoy the treatment, and you can consider paying the insurance yourself.

If the car insurance expires, the owner of the second year will contact the insurance salesman directly, or call the customer service of the insurance company ** to apply for insurance, or bring your valid ID card, vehicle driving license, compulsory traffic insurance policy to the counter of the business outlet to apply for insurance.

Hello! The first year of car insurance is about to expire, and when buying the second year car insurance, car owners should not only choose the type of insurance according to their needs, but also pay attention to the preferential terms. The specific description is as follows:

1. Choose the type of insurance according to your needs. Because it is a new car that has just been bought, the owner will be more concerned at first, coupled with a lack of confidence in his driving skills, etc., the first year of car insurance will often be more complete. After all, the car has been driven for a year, the driving skills are proficient, and the car has a certain understanding of the situation of the car, so some unnecessary or cost-effective insurance, the owner can choose not to buy.

For example, if you live in a city and have a safe parking place at home and work, then the car owner can not consider theft insurance. Generally, families will buy some accident insurance, and the car personnel liability insurance is slightly in conflict with the former, in case of accidents, its compensation is very low, if you do not often run the highway, the car personnel liability insurance can not be on.

2. Enjoy preferential terms. As we all know, the level of the premium has a lot to do with the number of occurrences and the amount of claims in the previous year. According to the regulations, as long as the car owner does not have any violation records, insurance situations and claims within one year, the car owner will receive a reduction in the premium of commercial insurance and compulsory traffic insurance when renewing the premium in the second year, and will also be listed as a high-quality customer by the insurance company to enjoy car insurance discounts.

The second year of vehicle insurance is paid, and the user can renew the insurance through the insurance salesman Bi Zeju, dial the insurance company's customer service**, and the insurance company's service outlets. When renewing the policy, the user needs to provide valid personal identity documents, motor vehicle driving licenses, compulsory traffic insurance policies and other materials to apply for renewal. In addition, some third-party platforms have also opened car insurance payment services, and users can also choose to renew their insurance through third-party platforms.

1. Avoid getting out of insurance on the road: the safety accident that occurs during the period of the vehicle is not compensated, the compulsory traffic insurance can not be out of insurance, once the insurance is found by the traffic police team, the vehicle will be detained and the penalty of repentance needs to be paid;

2. Determine the validity of the policy: if the renewal policy is a paper version, the new policy will take effect immediately after the previous policy is invalid, and if the renewal policy is an electronic policy, it needs to be activated to take effect;

When paying for the second year of vehicle insurance, users can renew the insurance through the insurance salesman, call the insurance company's customer service**, and the insurance company's service outlets. Users need to provide valid personal identity documents, motor vehicle driver's licenses, compulsory insurance policies and other materials to apply for renewal. In addition, some third-party platforms have also opened auto insurance payment services, and users can also choose to renew their insurance through third-party platforms.

What do I need to pay attention to when a warranty car?

1.Avoid getting out of insurance on the road: No compensation will be paid for safety accidents that occur during the period when the vehicle is out of insurance, and compulsory traffic insurance will not be out of insurance. Once discovered by the traffic police, the vehicle will be detained and a penalty will need to be paid;

2.Determine the validity of the policy: If the renewal policy is paper-based, the new policy will take effect as soon as the previous policy becomes invalid. If the renewal policy is an electronic policy, the renew will need to be activated for it to take effect; Be careful.

1. The protection period of car insurance is one year, and the premium is also paid once a year, if the car insurance expires, the owner of the car will contact the insurance salesman directly in the second year, or call the customer service of the underwriting insurance company to apply for insurance, or bring your valid ID card, vehicle driving license, compulsory traffic insurance policy to the counter of the business outlets to apply for insurance.

Operating environment: Turn on your mobile phone Alipay.

Extended Material: Definition of Motor Insurance.

One of the types of insurance widely carried out in China is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance, and total vehicle theft insurance. Motor vehicle damage insurance is an insurance that covers the insured vehicle suffering from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract. Motor vehicle third-party liability insurance is also responsible for compensation by the insurance company for the amount that should be paid by the insured in accordance with the law if the insured or its permitted qualified driver has an accident during the use of the insured vehicle, resulting in personal damage or property damage to the third party.

Whole vehicle theft insurance refers to.

1) Insured motor vehicles (including insured trailers) that have been stolen, robbed, or snatched in the whole vehicle shall be filed and investigated by the public security criminal investigation department at the county level, and the whereabouts have not been ascertained for 60 days;

2) Reasonable expenses for the damage to the insured motor vehicle after it has been stolen, robbed or snatched, or the parts and accessories on the vehicle are lost and need to be repaired;

3) In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured motor vehicle shall be borne by the insurer, and shall not exceed the amount of the insured amount. Losses incurred in three cases can be compensated. Liability insurance for persons on board the vehicle refers to the loss of expenses caused by the driver or passengers in your car**, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which is not intentional by the perpetrator (not intentionally by the actor, but unforeseeable and irresistible by the actor, resulting in the loss of personnel ** or property), as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss, which shall be compensated by the insurance company.

Additional insurance includes glass breakage insurance, vehicle suspension loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, engine water ingress insurance, no-fault liability insurance, scooter expense insurance, body scratch loss insurance, excluding the special clause of the odds waiver, vehicle cargo liability insurance and other insurances.